(Re)Creating Carly











Oh, summer. Buttercups under the chin.  Movies under the stars. Days that go on forever. Time for reading and writing and doing all those things I’ve waited all winter to do. I love summer—and not just because I’m lucky enough to get summers off, although that doesn’t hurt. There’s just something about the scent of lilacs in the air that make me nostalgic for summers past. Being a kid, playing hide-and-seek with the neighborhood crew. Or being a teenager and sneaking out to go swimming with my friends (Sorry, Mom and Dad). Or, as an adult, taking last minute road trips, windows down, singing along to anything and everything that comes on the radio. It’s always been a time for slowing life down a bit, and just enjoying.

Summertime is also a time for renewal. For trying new things. And for getting back to the heart of what’s important in our lives. Earlier this year, I tried my best to kick start a workout routine. I even blogged about it in my first installment of Tea & Inspiration. You see, deciding to pay off my debt isn’t just about becoming debt-free for me. It’s about living the dream—living MY dream life.

Part of my dream life involves being physically fit. And this summer, my focus has been on getting (back) into shape. Between school year madness and getting sick a lot, I dropped the ball on fitness over the past couple years. Sure, I made a few scattered attempts to get it together during that period, but nothing stuck. And my muscles have been hating me for it. I didn’t realize just how much until I recently took a 3-mile walk with a friend and had a ton of leg pain afterwards. LEG PAIN FROM WALKING?! Whoever heard of such a thing?! Not me, that’s for sure. And towards the end of the school year, I was getting pain just from STANDING.

I’m a naturally thin person—my weight hasn’t really changed since high school, so even though I knew I wasn’t as fit as I used to be, I considered myself to be in decent shape. The reality, however, is that I was slowly losing all the muscle in my body that used to make doing things like WALKING and STANDING a snap. Being thin definitely does NOT mean being in shape.  And, let’s face it, it doesn’t matter how much debt you’ve paid off or how much money you have in the bank, if you’re not healthy, none of it really matters.

Right now, I’m in Florida with family, soaking up the sunscreen, and hitting the gym for about 2 hours a day. Go big or go home, right? It’s been about two and a half weeks since I started and I’ve gone from barely being able to do a crunch to being able to do over a hundred of these:

Swiss Ball Jackknife. Ouch.

In such a short amount of time, I can feel a big difference. I feel stronger. Empowered. And my legs haven’t ached at all – other than the normal after-workout soreness. I know how lucky I am to have a summer off to dedicate to this, and I don’t want to waste a moment of it. Now I just have to figure out how to keep it up once I’m back to reality! I think I can… I think I can…

In other ‘dream life’ news, I’m excited to report that I just made a $2,000 credit card payment – courtesy of my summer sublet. Yay! It’s been about six months since I began my quest to become debt-free, and I’ve paid off almost one-half of my debt. On my salary, that’s a miracle!

I hope you are all making the most of your summer, and getting closer to living the life of your dreams.

What have you been up to this summer? What are some things you’d like to accomplish in order to be living YOUR dream life?

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{July 3, 2013}   Take That, Dick!

It’s been over a month since my last blog post, and I’ve missed you all so much! But, I gotta say, I’ve enjoyed the time off. Maybe a little too much. June was tuh-ufff on the budget.

Between End-of-School-Year Madness and a full social calendar, finding time for blogging has been impossible. But I also haven’t really been in the blogging mood. I started feeling really guilty about my budgeting failures. How could I blog about my personal finance triumphs when it was all falling to pieces?

It all began one day in May when I was examining my budget spreadsheet and noticed that I’d gotten ahead financially. In addition to paying off debt, I’ve been slowly building up a nice cushion in my checking account. But that little discovery had ramifications I hadn’t prepared for. It summoned all of my old financial demons. PARTY AT CARLY’S! Sure, they showed up all smiles, gave me high-fives and asked me to dance, but as soon as I turned my back, they were plotting away. And before I even had a chance to revel in my accomplishment, they had already thought of multiple ways to spend my extra cash. Visions of new clothes and haircuts and manicures and Caribbean cruises (yes, I actually researched cruises) started doing the Meringue in my head. I looked up cottages and train fares, plane tickets around the world and high-end moisturizers I’ve really wanted to try. It was as if I’d been on a no-carb diet for five months only to find myself trapped in a Little Debbie factory.

Meet Dick: Universe's Evil Twin Brother.

Meet Richard: Universe’s Evil Twin Brother.

Somehow, I managed to get myself in check, and politely asked the demons to leave. (I told them I had a headache.)  But I decided that I had earned a splurge or two. So I signed up for a dating site (despite the fact that I’m leaving town for six weeks and can’t be bothered to actually log into it and respond to emails) and went to Philly for the weekend with friends to attend the opening of my friend’s gallery exhibit. (I stayed with a friend who lives there and the whole trip was super cheap – but it still cost my entire entertainment budget for the month.) So by June 3rd, I was already $60 over budget. BUT I COULD AFFORD IT, RIGHT? I had saved a lot and if I didn’t allow myself some fun, I’d go crazy. But it’s almost like the Universe–or the Universe’s evil twin brother, we’ll call him Richard—knew what I was up to and decided to teach me a lesson.

First came the dropping of my cell phone, which resulted in a $100 bill for a refurbished replacement. (Isn’t cell phone “insurance” awesome?)

Then came the dead car battery. There goes another $130. And then came the pizza party for my students. And the birthday brunch for a good friend. And another birthday. And happy hour. And farewell-for-the-summer-get-togethers. And, well, what budget?

For the first time since I began my quest to become debt-free, I’d spent more in a month than I made, by a few hundred dollars. And I couldn’t help but wonder if my journey toward financial freedom had just hit a dead-end. Would this be the end of my life as a budgeting superhero? Would I revert to my old buying-lunch-out ways? Would I no longer be able to resist the call for European knee-high boots and Indian take-out?

After I had a moment to accept that $#@! June happens (and will no doubt happen again), the easy answer to those questions is NO.

Sure, I splurged a little and things came up, as they were sure to. But how incredible is it that I actually had enough money to pay for them? Five months ago, I didn’t even have enough money to pay my rent.  I was also still able to make my double-the-minimum credit card payment. And in a couple of weeks, I’ll be making a payment of $2,000 and will have—officially—repaid over $10,000 of debt in the past five months. Not too shabby.

Most of what I’ve spent money on this month has been worth it. I wouldn’t have missed that weekend away for anything. And the memories I’ve made with my friends over the past month are ones I won’t soon forget. All of this stuff has been a lot of fun, and after five months of living like a pauper, I needed it. Part of life is making memories. And although I’m super proud of what I’ve been able to accomplish over the past few months, life is short and I don’t want to miss out on these important moments.

That said, I’m going to keep plugging away to become debt-free, and am happy to report that I’m still on track to reach my goal within my original time frame of 18 months (or less).

So, Richard, like it or not, here I come!

How have you managed to handle Richard when he’s come along to disrupt your plans?  What do you think is more important — saving money or making lasting memories with loved ones? Or, like everything else, is it just about striking the right balance?



et cetera